Jun 2019 – Dec 2020 · 1 yr 6 mos · India

•  To identify, acquire, manage and enhance the commercial client portfolio targeting SME clients.
•  Responsible for a team of 5 Relationship Managers for the acquisition of SME clients.
•  To identify co-lending opportunities alongside other NBFCs.
•  Establish new borrowing relationships for SME, preparing the required credit and financial analysis
•  as per the NBFCs policies and procedures to build a robust portfolio.
•  New client acquisition to increase sales of products, primarily business loans to MSMEs, Supplier / Vendor finance, Term loans for Capex, etc through self as well as the Team assigned.
•  Manage the loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with NBFC credit policy to maximize earnings while containing risks to an acceptable levels.
•  Keeping the team updated on the product offering as per market requirement.

Apr 2018 – Jun 2019 · 1 yr 2 mos · Mumbai Metropolitan Region

•  Managing a Team of Sales Managers and Sales Executives .
•  Delivering month on month targets on SME Loan disbursals, Processing Fee, Income and Portfolio Health.
•  Hire, Train, Supervise and Manage delivery of the Direct Reports.
•  Manage client engagement for self and support Client engagements for Direct reports in structuring deals.
•  Manage File Logins in line with Organization policies from time to time with Credit Team.
•  Handle Connector engagements.
•  Engage with CPA and Credit Manager to resolve any clarification/ additional inputs from clients for CAM presentation.
•  Drive client Acceptance , client Loan documentation for on boarding, drew downs and recovery efforts if any.

Mar 2016 – Apr 2018 · 2 yrs 1 mo · Mumbai Metropolitan Region

•  Acquisition of new client relationships & maintaining existing relationships for the bank.
•  Managing requirements for corporates within the SME sector having turnover upto Rs 500 Crs
•  Product offerings include Fund & Non Fund based Working Capital products like Cash Credit, Term Loans, Import Finance, Export Finance, Bank Guarantees, Letter of Credit etc.
•  End to end relationship management for all clients whilst adhering to the bank’s service & compliance standards
•  Responsible for credit analysis & proposal writing and presenting the same to the respective approvers within the Bank for approval

May 2007 – Jul 2011 · 4 yrs 2 mos · Mumbai Metropolitan Region

• Chief Responsibilities:
•  Liable for acquisition of New clients for Liability and Asset products such as Working Capital Loans/PL /OD/Agri Loans/Car loans/LAP/ Construction Equipment/ Commercial Vehicle Loans.
•  Generating revenue by Trade Finance and FX Income , Fee income and NII income.
•  Also responsible for cross sale of Mutual Funds/Insurance/Structured Investment Products/Gold/Term Deposits/ Demat Accounts/ Trading Accounts.
• Achievements:
• Promoted from Manager to Senior Manager in 2009.
• Won Incentive Trip and trophy for Insurance Contest in 2009
• Won Prestige Group Award for Highest acquisition in 2010
• Won award for highest Gold distribution in the year 2010.
• Managed Largest Book size in the Branch.
• Was a permanent backup for the Branch Manager.

Jun 2011 – Nov 2015 · 4 yrs 5 mos · Mumbai Metropolitan Region

• Chief Responsibilities:
•  Acquire new Trade and Forex client relationships and build and deepen existing relationships to increase revenues for the bank.
•  Cross sell and Up sell of Trade Finance Products , Cash Management System Products , Cash Credit and Overdrafts , Mortgage Products and Insurance & Investments.
•  To maintain high quality standards of documentation, client communication, process compliance and ensure strong interaction on with product partners, Risk management and other Relationship Management groups.
•  Manage the customer transition with utmost sensitivity. Awareness of all the policies and procedures issues in relation to trade transactions, lending propositions, money laundering prevention and ensuring compliance.
• Achievements:
• Managing one of the Largest Book size in Western Region
• Acquired high value Project Offices in 2013
• Highest Forex revenue grosser in Q3’13 and Q1 and Q2 ’14.
• Disbursement of First Asset Case for the Branch during the Product launch.

Dec 2003 – Apr 2007 · 3 yrs 4 mos · Mumbai Metropolitan Region

• Chief Responsibilities:
•  Managed Sales and Service for Capital Markets Services like Loans against Shares, Loans against LIC policies, Loans against GOI Bonds & Loans against NSCs.and Depository Products.
•  Liable for acquisition of Trade Finance & Foreign Exchange Business for the Bank.
•  Managing Branch Targets of Third Party products like SGL Accounts , Mutual funds, Insurance, Govt. of India Bonds, Suvidha Fixed Deposit schemes & Flexi Bond Issues.
•  Managed the sales & processing of various IPO Financing at Branch level along with a responsibility of CA/SA targets.
• Achievements:
• Increase in Government Business value from Rs 1 Cr to Rs 27 Cr in one year
• Appreciation for introducing and handling IPO Financing at the Branch.
• Acquired and managed Large Corporate payroll accounts

Jun 2003 – Nov 2003 · 5 mos · Mumbai Metropolitan Region

• Chief Responsibilities:
•  Responsible for the sales of HDFC Standard Life Insurance Co. Ltd., products through Bancassurance Channel.
•  Achieving of the Branch targets and planning, implementing of Promotional Activities relationship management with the customers and coordinating between the assigned Branches.
• Achievements:
• Highest Insurance premium collected in the region in Aug ’03.

Jun 2002 – May 2003 · 11 mos · Mumba

• Chief Responsibilities:
•  Responsible for a team of 20 Sales Executives, who promote Liability products like Savings a/c, Current a/c, Depository schemes, Term Deposits, Merchant Establishments, E-Broking a/c, Credit Cards, etc., in Mumbai.
•  Recruiting, imparting product training, setting of team targets, planning & implementing of promotional activities and coordinating between the assigned Branch, Direct Sales management & the Promotional Executives.
• Achievements:
• Appreciation for increase on SB Account acquisition from 15/pm to 100/pm.
• Directly absorbed in HDFC Bank for Bancassurance Channel.